On the super contributions front, there’s a clock ticking. It’s attached to a bomb and if you don’t act quickly, it has the potential to cost you thousands of dollars in tax. For others, particularly those aged roughly 40-55, a completely new approach for super is required. And failing to grasp this reasonably early could […]
There are only two sure ways. Option one: “Use The Force, Luke”. Option two: Don’t invest. Sadly, precious few of us have completed any formal Jedi training with Obi-Wan Kenobi or Yoda. And not investing isn’t a viable option. Company failures suck. Big ones. As do markets that fall by 55 per cent. But while […]
Trick question Gen X: “What’s your most valuable asset?” The standard answers are predictable – car, home, shares or super. My mate, Simon, includes his 80s superhero comic collection. Seriously. Those answers are all wrong. (And Simon, we need another chat.) A Gen Xer’s most valuable asset is his/her ability to work. A 35-year-old earning […]
PORTFOLIO POINT: Exclusive: DIY fund trustees … Memo to Australia’s politicians: The proof is out. Self-managed super fund trustees are no bunch of uneducated or lazy cash hoarders. They know what they’re doing. They’re active in their investment choices. And they certainly don’t need regulatory nannying. A pilot survey, exclusively released to Eureka Report, shows […]
Amid the hail of economic gunfire, it will be little comfort to some Australians that some sunshine is trying to poke through. Banks are, selectively, lending again. Australia’s stockmarket is well off its bottom. Profits aren’t looking too bad. Inflation and interest rates are still low. And it all seems to have happened, as Con […]
Australia’s obsession with property clearly has more power and passion (and longevity) than Peter Garrett’s opposition to uranium. But is it still the “great Australian dream”? That is so ’60s – so Boomers and Retirees! Haven’t Gen Xers moved on from all that? Absolutely not. And nor should we. While it became known as Australians’ […]
Like sex, if you find tax time scary or boring, then you’re not doing it right. A Gen Xer’s life is hectic. For some, it is long working hours and a busy social life. For Gen X parents, it’s juggling a crazy career and/or never-ending home duties with a mortgage, investments and controlling a household […]
PORTFOLIO POINT: How can you assure an income stream above the government age pension for life? With an annuity. And they’re back on the agenda. Superannuation annuities became as popular as the browning bananas in the fruit bowl. You know they’ve been there for ages. You know they’ve got a use. But who wants them […]
A lot of people under 35 will unthinkingly answer the following question in the affirmative. Can you really cure Friday night’s hangover by going out and drinking hard enough on Saturday to get a second one? Surely, that’s only going to make Sunday morning even worse. But does it really matter? It’s now only Sunday […]
PORTFOLIO POINT: Were you too scared to take off the hedging safety harness last year? There was a big bang reward for those who were unhedged. Unlike most other investment opportunities, currency is very close to being a long-term, zero-sum, game. For every winner, there is, broadly, an equivalent loser. Share and property markets tend […]
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